In Canada, only certain auto insurers allow their policyholders to rent their cars out to other travelers.
As of today, the following insurers have agreed to let their policyholders list their cars and rent them out on Turo: Intact Insurance, belairdirect, Novex, Jevco, La Capitale General Insurance, L'Unique General Insurance and SSQ General Insurance Company.
Even if your insurer is listed above, it is important that you let your insurer know that you're participating in Turo as a car owner. Letting your insurer know that your car is listed on Turo will not affect your personal premiums in any way. Please refer to the information below for more information about your specific insurer.
Intact Insurance, Novex Insurance, Jevco: Personal automobile insurance customers with Intact Insurance, Novex and Jevco have permission to list their vehicles with Turo, as long as they notify their insurance broker. More information here.
belairdirect: Policyholders from belairdirect are allowed to list their vehicles and rent them out on Turo. All they need to do is notify belairdirect by calling 1-844-308-8237. More information here.
La Capitale General Insurance: Policyholders from La Capitale are allowed to list their vehicles on Turo as long as they notify them. The agent will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner. More information here.
L’Unique General Insurance: Policyholders from L'Unique are allowed to list their vehicles on Turo as long as they notify their broker. The broker will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner.
SSQ General Insurance: Policyholders from SSQauto are allowed to list their vehicles on Turo as long as they notify them. The agent will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner. More information here.
If your insurer is not listed above, it means that they have not yet approved policyholders to rent out their cars in the Turo marketplace. But don’t worry, we are working with insurers across the country to have them change their rules so that all car owners can soon list their cars and rent them out on Turo. We are adding insurers on a regular basis so please don't hesitate to check in regularly.
We know of no law in any state that says it is illegal to rent out your car; however, we do not expect your insurer to cover losses arising while the car is rented.* That’s why Turo has purchased a $1,000,000 liability policy and also provides protection for physical damage.
Your insurer’s response will depend on their specific policies and the laws of the state in which your car is registered. If your insurer is concerned about your participation in our marketplace, we believe you should be able to withdraw from Turo and retain your coverage. If you receive any indication that your insurance is in jeopardy, we would like to know about it so we can address it with the insurer and potentially with your state’s insurance regulator.
It is important to note that Turo has worked closely with insurance industry members throughout our development, and have strived to design a policy to cover the rental exposure and leave no gap in your coverage. Most owners will have more liability insurance protection while their car is being used by a Turo member than when they are driving it themselves.
You should check the terms of any lease or financing agreements for your vehicles to ensure they don’t prohibit your participation in carsharing. Further, many states have laws preventing subleasing. While Turo does not believe carsharing would violate unlawful subleasing laws, there is no guarantee that all law enforcement would agree.
*Please note: if you opt to decline a Turo protection package and instead insure your vehicle with your own commercial rental liability insurance, you will not be covered under Turo’s liability, comprehensive, or collision insurance, in which case your commercial insurance will likely be affected if a traveler gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on owner-provided insurance, click here.